+103.6% above fair valueWould need to fall ~50.9% to reach fair value.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Revenue, net income and margin.
| Metric | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|
| Revenue | 1.43B | 1.50B | 1.38B | 1.36B |
| Net Income | 15.91M | 128.53M | 98.19M | 126.19M |
| Net Margin | 1.1% | 8.5% | 7.1% | 9.3% |
| Operating Cash Flow | 78.94M | 178.48M | 71.17M | 63.75M |
| OCF Margin | 5.5% | 11.9% | 5.2% | 4.7% |
| Capital Expenditure | -25.23M | -8.25M | -5.87M | -11.77M |
| Free Cash Flow | 53.72M | 170.23M | 65.30M | 51.98M |
| FCF Margin | 3.8% | 11.3% | 4.7% | 3.8% |
| FCF Conversion | 337.6% | 132.4% | 66.5% | 41.2% |
| EPS (Diluted) | 0.30/sh | 2.45/sh | 1.87/sh | 2.40/sh |
| Dividend / Share | 0.95/sh | 0.48/sh | 1.50/sh | 1.20/sh |
At this rate, dividends alone return your capital in ~26.4 years.
Dividend / share & historical yield (SAR).
Per-share dividends by quarter, full-year total, and yield on the year's average price · SAR
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | 1.20 | — | — | 1.20 | 4.5% |
| 2025 | — | 1.20 | — | — | 1.20 | 4.7% |
| 2024 | — | 1.50 | — | — | 1.50 | 4.6% |
| 2023 | — | 0.48 | — | — | 0.48 | 1.7% |
| 2022 | — | 0.95 | — | — | 0.95 | 3.5% |
Fair value = median of the applicable methods (DDM، Graham، Residual Income، Earnings Power).
Tune these per company in the Hajras Odoo backend; values recompute automatically.
What if you'd invested in Gulf Insurance Group regularly?
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AAOIFI-style financial screens on the latest annual figures.
Measurable on 1 of 4 AAOIFI ratios; 3 not in this dataset.
Screening estimate, not a fatwa — we never pass a ratio without showing it. Verify with a qualified Shariah board.
Zakat due on a shareholding at today's price.
Long-term base uses cash & equivalents only (receivables and inventory are not in our data), so it understates zakat.
Zakat is due only after one full lunar year of ownership (hawl).
Estimate only, not a ZATCA filing — zakat on shares depends on intent (trading vs long-term). Consult a specialist.